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Complex and expensive direct integrations with Visa and Mastercard tokenisation systems
/DIGITAL WALLET TOKENISATION
Apple Pay and Google Pay for every bank in the market.
A turnkey tokenisation platform built for BamCard, the leading card processor in Bosnia & Herzegovina, enabling any bank in the region to launch digital wallet payments without direct Visa or Mastercard integration.
/OVERVIEW
ONE PLATFORM. EVERY BANK. WEEKS, NOT MONTHS.
- APPLE PAY
- GOOGLE PAY
- PCI DSS
- TOKENISATION
- MULTI-TENANT
- MDES
BamCard approached Evolt with a clear ambition: bring Apple Pay and Google Pay to banks across Bosnia & Herzegovina. The problem was the complexity standing in the way. Direct integrations with Visa and Mastercard tokenisation systems are expensive, technically demanding, and slow. Evolt's role was to remove all of that friction and deliver a platform that any bank could adopt with minimal effort, making BamCard the single trusted bridge between wallet providers and the entire regional banking market.
/THE CHALLENGE
WHAT BAMCARD NEEDED US TO BUILD.
Banks across the region faced the same barriers every time they tried to launch digital wallet payments. Each one was significant on its own. Together, they made independent launches impractical.
BARRIERS
Strict PCI DSS and industry compliance requirements
Multiple authorisation flows covering different authentication and verification methods
Device-specific provisioning logic for different wallet and device configurations
Certificate exchanges and complex security credential management during onboarding
/TECH STACK
TECH STACK
Tokenisation Networks
Mastercard MDES | Visa VTS
Security
PCI DSS | mTLS | encrypted vaults | masked PAN handling
Architecture
Multi-tenant | built for financial institutions at scale
/THE SOLUTION
THE SECURE BRIDGE BETWEEN BANKS AND THE WORLD'S BIGGEST WALLETS.
HOW IT WORKS
The user adds their card directly inside Apple Wallet or Google Wallet. The platform orchestrates all interactions with Visa and Mastercard, validates card details in the Card Management System, screens and evaluates the digitisation request across green, yellow, and red paths, provides the appropriate authorisation channel (SMS, app, email, or call centre), and confirms token activation. Banks can allow users to add their card directly from their own mobile app. Two secure APIs handle it: one to check whether the card already has active tokens, and one to generate encrypted provisioning values for Apple or Google. This significantly reduces onboarding friction and increases wallet adoption rates.
SECURITY AND COMPLIANCE
Security is not an add-on. It is built into every layer of the platform from day one. The architecture is fully PCI DSS-aligned, with mutual TLS securing all connections with Visa, Mastercard, and partner banks. The token vault is encrypted and stores only masked PANs, while per-device provisioning logic gives granular control over token generation. Full audit logs track every action and lifecycle event, and an additional encryption layer protects all sensitive payloads and signatures.
ADMIN DASHBOARDS
A powerful multi-tenant dashboard gives BamCard and partner banks full visibility and operational control. From the admin panel, teams can view all cardholders and devices, block, suspend, or delete access instantly, deactivate tokens with one click, and analyse user-level token activity. Transaction and tokenisation insights cover daily, weekly, and monthly volumes, device distribution across iPhone, Apple Watch, Android, and others, success versus failed tokenisation attempts, OTP failures, and fraud indicators. Operational tooling includes certificate expiration tracking, error monitoring and alerting, bank-by-bank performance statistics, and real-time system health monitoring.
/THE IMPACT
ONE PLATFORM BUILT FOR THREE WINNERS.
For BamCard
One market-wide tokenisation platform covering the entire region
Significant reduction in integration overhead across all partner banks
Lower operational and onboarding costs
Faster rollout of modern payment services to every bank in the network
For Banks
No direct integration with Mastercard or Visa tokenisation systems required
Secure, compliant, ready-to-deploy solution
Apple Pay and Google Pay live in weeks instead of months, at a fraction of the typical cost
Full visibility and control over tokens and users through dedicated dashboards
For End Users
Simple, fast, secure wallet onboarding
Ability to activate tokens across multiple devices
Reduced dependency on branches or manual paperwork
World-class digital payment experience
SUCCESS STORIES
Read how our partnerships drive success.
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- PAYMENT
- CRYPTO
- BANKING
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